Cornerstone Capital Bank, SSB
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Data as of · sourced from FFIEC call reports. How we update
Cornerstone Capital Bank, SSB is an FDIC-insured savings bank headquartered in Houston, TX, established in 1906 (FDIC certificate 1213), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $3.67B, up 59.4% from Q2 2025, the 27th largest of 346 banks headquartered in Texas. It reports no CET1 ratio; its Tier 1 leverage ratio was 10.26% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Savings bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 1213
- Headquarters
- Houston, TX
- Established
- 1906
- Total assets, Q2 2026
- $3.67B
- Assets vs Q2 2025
- +59.4%
- Tier 1 leverage ratio, Q2 2026
- 10.26%
- Domestic offices
- 19 FDIC institution directory, current count
- Routing number
- 111326275
- Latest call report
- Q2 2026, FFIEC 041 · Cornerstone Capital Bank, SSB call report
- Holding company
- CORNERSTONE CAPITAL BANCORP, INC.
- Asset rank in state
- 27th of 346 in Texas
Cornerstone Capital Bank, SSB spends more to run itself than most banks of its size. Based in Houston, Texas, it had $3.7 billion in assets at June 30, 2026, up 59.4% from a year earlier. It earns about $0.57 a year on every $100 of assets, about half the median of $1.29 for the 895 banks with $1 billion to $10 billion in assets. It also spends about 83 cents to bring in each dollar of revenue, higher than about 9 in 10 banks its size (median 58 cents).
Problem loans fell by more than half over the year: loans on nonaccrual or 90 or more days past due, net of government guarantees are down to 0.29% of loans from 1.22%. Earnings jumped: net income for the quarter was $5.2 million, 50% above the same quarter a year earlier. Funding is the softer spot: it pays an average of 2.58% on its deposits and borrowings, higher than about three-quarters of banks its size (median 2.01%).
As of June 30, 2026, Cornerstone Capital Bank, SSB reported a return on assets of 0.57%, a nonperforming-loan ratio of 3.62% and a Texas ratio of 3.87%. The figures come from its call report filed with the FFIEC.
Of the 346 banks headquartered in Texas, Cornerstone Capital Bank, SSB is the 27th largest by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets fell 3.5% to $3.67B, loans rose 6.1% and deposits fell 7.7%. Its loan book on June 30, 2026 was led by 1-4 family residential loans, at 54.2% of total loans, followed by non-owner-occupied commercial real estate loans at 10.0%. Its 16 offices in the FDIC Summary of Deposits are in 14 cities in TX; its Houston office books 41% of its branch deposits. By the capital ratios in its Q2 2026 call report, Cornerstone Capital Bank, SSB meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 1177 West Loop S, Houston, TX 77027
- County
- Harris
- Metro Area
- Houston-Pasadena-The Woodlands, TX
- Charter
- State-chartered stock savings bank, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Dallas (Region 13)
- Federal Reserve member
- —
- Federal Reserve district
- District 11, Dallas
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 041
- Established
- December 6, 1906
- Domestic offices
- 19 FDIC institution directory, current count
- Employees (FTE)
- 1,571
- Domestic deposits
- $2.37B
- Allowance for credit losses
- $15.4M
- Net charge-offs (YTD)
- $919K
- Average total assets
- $3.61B
- Average total loans
- $2.48B
- Average interest-bearing deposits
- $1.71B
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- No
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 1213
- Fed RSSD
- 2891622
- SEC CIK
- 2119767 → filed by CORNERSTONE CAPITAL BANCORP, INC.
- Website
- www.cornerstonecapital.com →
- Parent Holding Company
- CORNERSTONE CAPITAL BANCORP, INC. (RSSD 6013468)
Profitability
Q2 annualizedBalance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. As a community bank leverage ratio filer, Cornerstone Capital Bank, SSB reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, Cornerstone Capital Bank, SSB's total assets ran between $2.08B (Q1 2024) and $3.80B (Q1 2026), and it earned a profit in 9 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$3.67B total assets against $2.30B; $3.24B total liabilities against $1.94B.
$2.59B net loans and leases against $1.55B; $2.37B total deposits against $1.48B.
$238.0M securities against $67.4M; $371.0M cash and balances due against $444.0M.
$45.2M total interest income against $29.1M; $19.9M total interest expense against $17.3M.
$25.3M net interest income against $11.8M.
$77.6M total noninterest income against $76.6M; $86.5M total noninterest expense against $75.3M.
-$988K provision for credit losses against $435K.
$5.2M net income against $3.5M.
0.57% return on assets against 0.57%; 3.30% net interest margin against 2.38%.
10.26% tier 1 leverage ratio against 14.23%.
Inside the full Cornerstone Capital Bank, SSB terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Nonperforming loans (nonaccrual loans plus loans 90 or more days past due) exceed 3% of total loans. BankRegReports band at 3% of total loans.
Loans outstanding are at or above total deposits. The bank reports little borrowing or brokered funding, so the difference is carried mainly by equity and other liabilities. Worth watching if loan growth continues to outpace deposits. Industry heuristic, not a supervisory threshold.
Cornerstone Capital Bank, SSB rankings
Its closest position to the top of a national ranking is 349 of 4,196, for total assets; its furthest is 3,339 of 3,606, for efficiency ratio.
Banks merged into Cornerstone Capital Bank, SSB
- Peoples Bank, effective March 1, 2026
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from -0.47% (Q1 2026) to 1.26% (Q1 2025) and its net interest margin ran from 2.07% (Q4 2024) to 3.30% (Q2 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 10.26% | 0.57% | 3.62% | 3.87% | 3.30% |
| Q1 2026 | 13.79% | -0.47% | 3.60% | 3.27% | 2.70% |
| Q4 2025 | 15.08% | 0.25% | 4.69% | 3.78% | 2.61% |
| Q3 2025 | 15.12% | 0.67% | 3.18% | 3.02% | 2.53% |
| Q2 2025 | 14.23% | 0.57% | 2.65% | 6.33% | 2.38% |
| Q1 2025 | 14.61% | 1.26% | 2.58% | 5.67% | 2.13% |
| Q4 2024 | 13.36% | 0.47% | 2.53% | 2.94% | 2.07% |
| Q3 2024 | 14.24% | 0.92% | 1.91% | 2.37% | 2.13% |
Swipe the table sideways to see every column.
Branch Network
View all 16 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Cornerstone Capital Bank, SSB (main office) | Houston , TX | 77027 | $967.8M |
| Peoples Branch | Lubbock , TX | 79424 | $544.5M |
| Roscoe Bank Sweetwater Branch | Sweetwater , TX | 79556 | $154.1M |
| Roscoe Bank Roscoe Office Branch | Roscoe , TX | 79545 | $80.2M |
| 112th and Quaker Branch | Lubbock , TX | 79424 | $79.2M |
| Slaton Banking Center Branch | Slaton , TX | 79364 | $69.5M |
| Whitney Branch | Whitney , TX | 76692 | $60.6M |
| Seminole Branch | Seminole , TX | 79360 | $58.3M |
| Roscoe Bank Bastrop Branch | Bastrop , TX | 78602 | $52.2M |
| Nazareth Branch | Nazareth , TX | 79063 | $50.0M |
| Princeton Branch | Princeton , TX | 75407 | $48.5M |
| Seymour Branch | Seymour , TX | 76380 | $47.9M |
| 34th Street Branch | Lubbock , TX | 79410 | $41.8M |
| Shallowater Branch | Shallowater , TX | 79363 | $40.3M |
| Post Branch | Post , TX | 79356 | $38.1M |
| Lorenzo Branch | Lorenzo , TX | 79343 | $37.1M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| March 1, 2026 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| March 1, 2026 | Structure Change | Acquired Peoples Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| October 1, 2022 | Structure Change | Acquired another institution Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 3 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.1% of deposits in TX, rank 58 of 441 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 21,434 applications, 7,642 loans originated, $3.15B originated, across 44 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 3 loans, $329K approved, $110K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Cornerstone Capital Bank, SSB
What are Cornerstone Capital Bank, SSB's total assets?
As of the Q2 2026 filing, Cornerstone Capital Bank, SSB reported total assets of $3.67 billion in its FFIEC call report.
Where is Cornerstone Capital Bank, SSB headquartered?
It is headquartered in Houston, TX, United States.
When was Cornerstone Capital Bank, SSB founded?
It was established in 1906, per the FDIC institution directory.
Is Cornerstone Capital Bank, SSB FDIC-insured?
Yes. It is an FDIC-insured savings bank (FDIC Certificate #1213). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Cornerstone Capital Bank, SSB?
Cornerstone Capital Bank, SSB's primary federal regulator is the FDIC.
How many branches does Cornerstone Capital Bank, SSB operate?
It operates 19 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Cornerstone Capital Bank, SSB's Texas Ratio?
Its Texas Ratio is 3.87% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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